Gold Star Mortgage Financial Group in New Jersey vs the state
3.7%Denial rate-13.99 pts vs state
5.3%Decision denial rate-17.79 pts vs state
58.0%Origination rate+2.34 pts vs state
5.63%Median rate-1.13 pts vs state
-0.10Rate spread (pts)-0.38 pts vs state
$182kMedian applicant income
47Loans originated
3Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 61 | 25 | 8.2% | 6.63% | #305 |
| 2024 | 79 | 43 | 0.0% | 6.50% | #286 |
| 2025 | 81 | 47 | 3.7% | 5.63% | #292 |
What Gold Star Mortgage Financial Group lends in New Jersey
By loan purpose
By loan type
Why it denied New Jersey applicants
Where in New Jersey
Counties with the most Gold Star Mortgage Financial Group applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Morris County | 17 | 10 | 1 | 5.9% |
| Middlesex County | 14 | 10 | 0 | 0.0% |
| Bergen County | 9 | 5 | 0 | 0.0% |
| Essex County | 7 | 1 | 2 | 28.6% |
| Monmouth County | 6 | 4 | 0 | 0.0% |
| Burlington County | 5 | 5 | 0 | 0.0% |
| Mercer County | 5 | 3 | 0 | 0.0% |
| Ocean County | 3 | 2 | 0 | 0.0% |
| Somerset County | 3 | 2 | 0 | 0.0% |
| Union County | 3 | 2 | 0 | 0.0% |
Other large lenders in New Jersey
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 16,339 | 16.1% | 6.75% |
| TD Bank | D | 12,532 | 26.2% | 7.49% |
| Bank of America | F | 12,142 | 30.6% | 6.00% |
| Citizens Bank | C | 12,113 | 28.9% | 7.40% |
| Crosscountry Mortgage | B | 12,042 | 5.3% | 6.75% |
| PNC Bank | D | 10,815 | 27.8% | 7.75% |
| United Shore Financial Services | B | 10,552 | 15.3% | 6.38% |
| Guaranteed Rate | B | 8,643 | 5.5% | 6.58% |
| Newrez | D | 6,535 | 22.5% | 6.99% |
| Loandepot.Com | D | 6,491 | 15.3% | 6.63% |
Frequently asked questions
New Jersey: 81 applications in 2025, of which 47 were originated and 3 denied.
3.7% of all applications, or 5.3% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans Gold Star Mortgage Financial Group originated in New Jersey in 2025 was 5.63%, against a statewide median of 6.75%.
About this data. Figures are Gold Star Mortgage Financial Group's own HMDA filing for properties located in New Jersey, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology